First Financial Bank (FDIC #28905): Bank Stress & Real-Estate Credit Exposure

First Financial Bank (FDIC Cert #28905): bank stress 42/100, contained, STABLE over 7 days; parent FIRST FINANCIAL BANC CORP.

First Financial Bank (#28905) lends in 9 counties across 2 states; First Financial Bank (#28905) reaches 101 ZIP codes: Arkansas 7 counties, 89 ZIPs; Mississippi 2 counties, 12 ZIPs.

First Financial Bank (#28905) largest markets: Pulaski County, AR (36 branches, 36 ZIPs) (#28905), St. Francis County, AR (13 branches, 13 ZIPs) (#28905), Poinsett County, AR (22 branches, 11 ZIPs) (#28905), Union County, AR (60 branches, 10 ZIPs) (#28905), Woodruff County, AR (10 branches, 10 ZIPs) (#28905), Cross County, AR (27 branches, 9 ZIPs) (#28905).

First Financial Bank (#28905) reports $2.04 billion in total assets; First Financial Bank (#28905) equity $231.3 million (11.4% of First Financial Bank (#28905) assets); First Financial Bank (#28905) domestic deposits $1.68 billion; First Financial Bank (#28905) net income $21.4 million; First Financial Bank (#28905) return on assets 2.18%; First Financial Bank (#28905) return on equity 18.94%; First Financial Bank (#28905) net interest income $39.9 million; First Financial Bank (#28905) call report June 30, 2026.

First Financial Bank (#28905) noncurrent real-estate loans 0.08% of its book; First Financial Bank (#28905) residential 0.41%; First Financial Bank (#28905) net charge-offs on real estate 3.32%; First Financial Bank (#28905) residential charge-offs 5.60%.

First Financial Bank (#28905) net interest margin 4.39% against an eight-quarter First Financial Bank (#28905) average of 4.19% (First Financial Bank (#28905) compression -0.20 points); First Financial Bank (#28905) real-estate loans 7.7% of equity; First Financial Bank (#28905) non-residential real estate 559.5% of equity; First Financial Bank (#28905) rate-exposure score 40/100, First Financial Bank (#28905) fixed-rate trap 40/100; First Financial Bank (#28905) risk type credit driven; First Financial Bank (#28905) rate regime rates elevated, First Financial Bank (#28905) snapshot October 19, 2026.

First Financial Bank (#28905) stress score moved from 43 on June 22, 2026 to 42.2 on October 19, 2026; First Financial Bank (#28905) ranged 42.2 to 43 over 116 snapshots.

First Financial Bank (#28905) alerts: 9 counties; top First Financial Bank (#28905) alert scores: Carthage County, AR 17 (low); Forrest City County, AR 17 (low); Harrisburg County, AR 17 (low); Little Rock County, AR 17 (low); Mccrory County, AR 17 (low).